Central Kansas Education Credit Union (EIN 480678416) - Form 990 Financial Analysis & Trantor Score

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Financial Vulnerability Assessment (Tuckman-Chang)

4 risk indicators measuring financial stability and operational resilience

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Financial Trends

Organization Details

Formation Year

1960

Legal Domicile

Principal Officer

TRENA LACKEY

Phone

7858277349

Tax Period

2025-01-01 to 2025-12-31

Central Kansas Education Credit Union, founded in 1960, is a small nonprofit that reported $367K in total revenue in fiscal year 2025. Revenue grew 13% year-over-year, indicating healthy expansion. Expenses of $343K left a modest 6% surplus.

Mission

PROVIDE FINANCIAL & FINACIALLY RELATED SERVICES TO 797 MEMBERS FOR MUTUAL PURPOSES

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Trantor Score

Financial Health Score (300–850) · Liquidity · Solvency · Sustainability · Efficiency

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Liquidity (40%) • Solvency (30%) • Sustainability (20%) • Efficiency (10%)

Financial Overview (2025)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $317,811

Investment Income $49,063

Other Revenue $165

TOTAL REVENUE $367,039

Expense Breakdown

Grants Paid $0

Salaries & Benefits $120,295

Fundraising Expenses $0

Program Expenses $343,244

Other Expenses $222,949

TOTAL EXPENSES $343,244

Year-over-Year Comparison

	2025	2024	Change
Revenue	$367,039	$323,792	+0.1%
Expenses	$343,244	$311,315	+0.1%
Net Income	$23,795	$12,477	+0.9%

Key Indicators

✗ Grants to Organizations ✗ Grants to Individuals ✗ Lobbying ✗ Political Activity ✗ Foreign Activities ✗ Donor Advised Fund ✗ Schedule B Required

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Financial Health Indicators

Comprehensive financial analysis: Altman Z-Score, liquidity, solvency, sustainability, efficiency, and growth metrics

Financial Distress Indicator

Liquidity & Cash Position

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Altman Z-Score • Liquidity Ratios • Solvency Analysis • Growth Indicators • Efficiency Metrics

Governance

Voting Members

Independent Members

Employees

Volunteers

Governance Policies

✓ Conflict of Interest Policy

✓ Whistleblower Policy

✓ Document Retention Policy

Special Practices & Reported Activities

✗ Operated a School

✗ Operated a Hospital

✗ Provided First Class Travel

✗ Reported Conflict of Interest

✗ Reported Asset Diversion

✗ Excess Benefit Transaction

✗ Made Political Expenditures

✗ Engaged in Lobbying

✗ Operated Donor Advised Fund

✗ Maintained Art Collections

✗ Filed Form 720

Compensation of Officers, Directors & Key Employees

Total Officers

Total Directors

Key Employees

$81,200

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
TRENA LACKEY	MANAGER/TREASURER OF THE BOARD	50	Key Emp Highest	$75,800	$5,400	$81,200
ROBERT SAUBER	CHAIRMAN OF THE BOARD	1	Director	$0	$0	$0
EMMY PRATT	SECRETARY OF THE BOARD	1	Director	$0	$0	$0
TROY DONNELLY	BOARD MEMBER	1	Director	$0	$0	$0
ERIC BOYLE	BOARD OF DIRECTOR	1	Director	$0	$0	$0

Note: Compensation data is self-reported by the organization on their Form 990. "Reportable Comp" includes salary, bonuses, and other reportable compensation from the organization and related organizations. "Other Comp" includes benefits, deferred compensation, and non-taxable benefits.

Historical Data

Year	Revenue	Expenses	Assets	Net Income
2025	$367,039	$343,244	$5,574,015	$23,795
2024	No data	No data	No data	No data
2023	$263,890	$271,377	$5,004,344	$-7,487
2022	$218,515	$204,121	$4,255,743	$14,394
2021	$183,930	$173,024	$3,750,936	$10,906
2020	$167,797	$164,739	$3,596,794	$3,058

Central Kansas Education Credit Union